Kevin Bailey · eXp Realty LLC · va.broker@exprealty.net · dc.broker@exprealty.net · md.broker@exprealty.net · 888-860-7369

A bright, finished entry hall: white flowers on a marble console, a curved staircase rising to an arched window.

Listing Ready

Get the work done before you sell, and pay for it at closing.

Through Kevin Bailey - Listing Ready, powered by eXp Ready™, my sellers can put up to $50,000 into staging, paint, repairs and whatever else the home needs before we list, with nothing due until the home closes.

Book a call

Who it is for

For the home that needs a little work first.

You know the home would sell for more with some work: fresh paint, a few repairs, the right staging. You just don’t want to tie up your cash or put it on a credit card. Listing Ready covers the work now, and you pay it back at closing.

A dated living room: tan walls, a dark leather sofa, a worn wood floor and clutter by the window.
Before
A fresh, staged living room: white walls, pale slipcovered seats, a fireplace and a plant on a polished wood floor.
After

How it works

From our first walk-through to closing.

  1. 1

    We meet, walk the home, and agree on what is worth doing.

  2. 2

    When we sign the listing agreement, I introduce you to the program and you take the next step with me. The application takes about five minutes, with a soft credit check that does not affect your score.

  3. 3

    Approved sellers can use up to $50,000, usually the same day.

  4. 4

    You hire whoever you want: your contractors, your stager, your mover.

  5. 5

    At closing, you repay only what you spent, plus the interest and the one-time fee, out of your proceeds.

What it can cover

Nearly all of the prep, from paint to the movers.

A bright living room being staged: a new sectional with a stack of tagged pillows, a step ladder by the wall.
Staging and furniture
A room freshly painted, with the ladder and drop cloth still out.
Painting
A newly laid wide-plank oak floor in an empty, sunlit room, spare planks and a mallet by the wall.
Flooring
A room mid-renovation: a sawhorse table with a level and a paint bucket on a drop cloth, a tiled bathroom through the doorway.
Repairs and updates
A freshly mowed lawn in front of a row of brick colonials, a teak table on a flagstone patio.
Landscaping
A spotless white kitchen, a bowl of lemons on the island.
Cleaning and organizing
A basement utility corner with a new furnace and water heater.
HVAC and electrical
Moving boxes stacked by an open front door, keys on the side table.
Moving and storage
A bright furnished short-stay apartment: a gray sofa, a small dining table by the window and suitcases ready to unpack.
Temporary housing

It cannot cover tax liens, existing secured debt on the home, or closing costs.

Paying for it

How it is paid, and when.

  • Nothing is due until closing, so no cash is needed up front.¹

  • For a short stretch like this it is often cheaper and faster than a HELOC or a credit card.

  • There is an application and a quick approval process. Not everyone is approved.

Who qualifies

What the lender looks for.

  • A credit score of 680 or higher.
  • You own the home, or act for the owner, including through an LLC, a trust, an estate or a power of attorney.
  • At least 20% equity in the home, or 10% in some cases.
  • A signed listing agreement with me.
  • A list price under $4 million.
  • One loan at a time.

Additional criteria may apply. Approval is the lender’s decision, not mine.²

Why bother

What the research says.

Nearly half of sellers’ agents (49%) said staging cut the time a home spent on the market, and 29% of agents saw offers rise 1 to 10 percent.

Source: National Association of Realtors, 2025 Profile of Home Staging (May 2025)

Move-in ready ranked as prospective buyers’ top priority.

Source: Bright MLS national homebuyer survey, December 2024 (published January 9, 2025)

Questions people ask

The short answers.

Does applying hurt my credit?

No. The application uses a soft credit check, which does not affect your score, and drawing the money does not either.

Do I have to use it all?

No. You repay only what you actually spend, plus the interest on it and the loan’s one-time fee.

What if the home does not sell in a year?

The loan is still owed. You can ask the lender for more time or a payment plan.

I’m also buying. Does this affect my mortgage?

There is no hard credit pull and no lien on your home. The loan is reported only when it comes due, and it can count against your score only if it is still unpaid 30 days later.

What if I never use the money?

Nothing is owed. The loan’s fee is charged only if you use the money.

Can an LLC or a trust use it?

Yes. A home held by an LLC, a trust or an estate, or sold under a power of attorney, can qualify. The lender may ask for documents that show ownership.

How is it paid back?

At closing, straight from your proceeds. If the listing agreement ends first, or 12 months pass, it comes due then.

How do I start?

Book a call with me. We go over it at the listing appointment.

Want to talk it through?

Book a call

Or call 571-496-9009

¹Interest applies. Loan funds, interest and fees are due upon the sale of your home, twelve months after origination, or the occurrence of other acceleration events as provided in your loan agreement, whichever occurs sooner. Subject to the terms and conditions of your loan agreement with one of Notable’s affiliated lenders, Notable Finance, LLC or Quorum Federal Credit Union.

²Results may vary. Loans are provided by Notable and made by either Notable Finance, LLC, an affiliated lender, or Quorum Federal Credit Union. Results may vary, and are neither warrantied nor guaranteed. Subject to the terms and conditions of your loan agreement. Notable Finance, LLC, NMLS# 1824748 loans are made or arranged pursuant to a California Finance Lenders Law license. Loan eligibility is not guaranteed and all loans are subject to credit approval and lender underwriting. Rules and exclusions apply. Subject to terms and conditions (Notablehome.com/terms).

eXp Ready™ is powered by Notable.